179 replies to this topic

[spigot]

Good question. I'm locked out of the EQ backdoor currently, and too afraid to try again because I don't want any early C* this month. I use EQ complete to get my soft inquiries, but maybe someone with access to the EQ backdoor could give you some info. If I remember correctly, you just click on "Inquiries in the Last 2 Years" and they're under your hard inquiries.

OMG: Does the backdoor graduate you from C* to C*-squared?

Supposedly it can. I've never had it happen personally, but it's a possibility.

[v8envy]

My USAA Pulls don't matter anymore, C Squared ruined them all anyways!

[kayvebear]

Are all the 'good softs' this counter counts legit towards B*? I am at 37 and just got chopped on 2/27 so I'd be looking good on my first B* attempt if so

[johnecova]

WTH is c*-squared? Is it double chop or something else?

[fusioncredit]

btw im using USAA, MPM, EQ Complete, credit karma for TU-which im getting bumpage on TU just fine..but none on EQ

Did you just sign up for EQ Complete?

[fusioncredit]

btw im using USAA, MPM, EQ Complete, credit karma for TU-which im getting bumpage on TU just fine..but none on EQ

Did you just sign up for EQ Complete?

yes and no, in other words i have always had EQ complete but from time to time i would cancel it...no choppage yet

Wow I'm surprised you have avoided choppage

[cputrwz]

FYI, I have posted this before but I don't think anybody responded... the counter is "counting" softs for me from Digital Federal CU and I know they do not count.

DIGITAL FEDERAL CREDIT UNION: 04/19/11 (1)
DIGITAL FEDERAL CREDIT UNION: 04/19/11 (1)

[woomoo]

Could anyone do me the honor to count my TU softs?

CONSUMERINFO via CONSUMER INFO.COM
Requested On: 03/16/2012, 03/14/2012
Permissible Purpose: CONSUMER REQUEST

via KARMA/TRANSUNION INTERAC
Requested On: 03/16/2012, 03/16/2012, 03/16/2012, 03/16/2012, 03/13/2012
Permissible Purpose: CONSUMER REQUEST

via PATHWAY DATA INC
Requested On: 03/16/2012, 03/14/2012, 03/13/2012, 03/12/2012, 03/11/2012, 03/10/2012, 03/09/2012, 03/08/2012, 03/07/2012, 03/05/2012, 03/04/2012, 03/03/2012, 03/02/2012, 03/01/2012, 02/29/2012, 02/28/2012, 02/27/2012, 02/24/2012, 02/23/2012, 02/22/2012, 02/21/2012, 02/20/2012, 02/19/2012, 02/18/2012, 02/17/2012, 02/16/2012, 02/15/2012, 02/14/2012, 02/13/2012
Permissible Purpose: WRITTEN AUTHORIZATION

via TRANSUNION INTERACTIVE I
Requested On: 03/16/2012, 03/14/2012
Permissible Purpose: CONSUMER REQUEST

CONSUMER INFO.COM
Requested On: 03/08/2012, 02/17/2012
Permissible Purpose: WRITTEN AUTHORIZATION

PATHWAY DATA INC
Requested On: 03/08/2012, 02/17/2012
Permissible Purpose: WRITTEN AUTHORIZATION

TRANSUNION INTERACTIVE
Requested On: 03/08/2012, 02/17/2012
Permissible Purpose: CREDIT MONITORING

TU INTERACTIVE
Requested On: 03/02/2012

AFFINION - PRIVACYGU via CREDCO
Requested On: 02/29/2012
Permissible Purpose: CONSUMER INITIATED TRANSACTION

CREDITCARDS.COM
Requested On: 02/18/2012

FAIRISAAC via MY FICO
Requested On: 02/17/2012, 02/15/2012
Permissible Purpose: CONSUMER REQUEST

BARCLAYS BANK DELAWARE
Requested On: 02/16/2012

FACTACT FREE DISCLOSURE
Requested On: 02/16/2012, 02/16/2011

TU INTERACTIVE
Requested On: 02/16/2012, 02/16/2011

STATE FREE DISCLOSURE
Requested On: 02/15/2012

PATHWAY DATA INC
Requested On: 02/13/2012


via TRANSUNION INTERACTIVE I
Requested On: 02/08/2012
Permissible Purpose: CONSUMER REQUEST

CAPITAL ONE BANK USA NA
Requested On: 02/01/2012

DIR TO CONS VIA EQUIFAX
Requested On: 02/01/2012, 11/30/2011

BANK OF AMERICA
Requested On: 01/01/2012

EQUIFAX/USOPM
Requested On: 08/26/2011, 08/26/2011
Permissible Purpose: EMPLOYMENT

[fusioncredit]

Could anyone do me the honor to count my TU softs?

CONSUMERINFO via CONSUMER INFO.COM
Requested On: 03/16/2012, 03/14/2012 (2)
Permissible Purpose: CONSUMER REQUEST

via KARMA/TRANSUNION INTERAC
Requested On: 03/16/2012, 03/16/2012, 03/16/2012, 03/16/2012, 03/13/2012 (2 - 5)
Permissible Purpose: CONSUMER REQUEST

via PATHWAY DATA INC
Requested On: 03/16/2012, 03/14/2012, 03/13/2012, 03/12/2012, 03/11/2012, 03/10/2012, 03/09/2012, 03/08/2012, 03/07/2012, 03/05/2012, 03/04/2012, 03/03/2012, 03/02/2012, 03/01/2012, 02/29/2012, 02/28/2012, 02/27/2012, 02/24/2012, 02/23/2012, 02/22/2012, 02/21/2012, 02/20/2012, 02/19/2012, 02/18/2012, 02/17/2012, 02/16/2012, 02/15/2012, 02/14/2012, 02/13/2012 (29)
Permissible Purpose: WRITTEN AUTHORIZATION

via TRANSUNION INTERACTIVE I
Requested On: 03/16/2012, 03/14/2012 (2)
Permissible Purpose: CONSUMER REQUEST

CONSUMER INFO.COM
Requested On: 03/08/2012, 02/17/2012 (2)
Permissible Purpose: WRITTEN AUTHORIZATION

PATHWAY DATA INC
Requested On: 03/08/2012, 02/17/2012 (2)
Permissible Purpose: WRITTEN AUTHORIZATION

TRANSUNION INTERACTIVE
Requested On: 03/08/2012, 02/17/2012 (2)
Permissible Purpose: CREDIT MONITORING

TU INTERACTIVE
Requested On: 03/02/2012

AFFINION - PRIVACYGU via CREDCO
Requested On: 02/29/2012 (1)
Permissible Purpose: CONSUMER INITIATED TRANSACTION

CREDITCARDS.COM
Requested On: 02/18/2012

FAIRISAAC via MY FICO
Requested On: 02/17/2012, 02/15/2012 (2)
Permissible Purpose: CONSUMER REQUEST

BARCLAYS BANK DELAWARE
Requested On: 02/16/2012

FACTACT FREE DISCLOSURE
Requested On: 02/16/2012, 02/16/2011

TU INTERACTIVE
Requested On: 02/16/2012, 02/16/2011

STATE FREE DISCLOSURE
Requested On: 02/15/2012

PATHWAY DATA INC
Requested On: 02/13/2012


via TRANSUNION INTERACTIVE I
Requested On: 02/08/2012 (1)
Permissible Purpose: CONSUMER REQUEST

CAPITAL ONE BANK USA NA
Requested On: 02/01/2012

DIR TO CONS VIA EQUIFAX
Requested On: 02/01/2012, 11/30/2011

BANK OF AMERICA
Requested On: 01/01/2012

EQUIFAX/USOPM
Requested On: 08/26/2011, 08/26/2011 (2)
Permissible Purpose: EMPLOYMENT

You have between 47 and 50 good softs. You need between 13-16 more good softs to achieve B*

[woomoo]

You have between 47 and 50 good softs. You need between 13-16 more good softs to achieve B*
[/quote]

Thank you! Mighty nice of ya....

[fusioncredit]

Thank you! Mighty nice of ya....

My pleasure and remember good softs are the ones with permissible purpose

[Duck Bills]

This is what I put into the counter.

PRM-7TH AVENUE 12/16/11, 10/11/11, 06/28/11
ANDERA 03/05/12
PRM-AT&T WIRELESS 10/26/11
DTC-AT&T SERVICES, INC. 02/25/12
AR-CAPITAL ONE 10/04/11
PRM-CAPITAL ONE AUTO FINANCE 05/03/11
PRM-CAPITAL ONE - RTPM 02/10/12
CIC/EXPERIAN ALRTS 02/01/12
FIRST ADVANTAGE CREDCO/ 01/20/12, 11/16/11
CREDITEXPERT 1-866-673-0140 03/21/12, 03/20/12, 02/29/12
DELTA EMPLOYEES CREDIT UNION 02/16/12, 01/24/12
ND-DIGITAL FEDERAL CREDIT UNION 03/13/12
PRM-DIRECTV-PRESCREENS 12/08/11, 09/02/11
PRM-ELITE 04/25/11
EQUIFAX INFO SVCS. 03/10/12, 02/01/12
EQUIFAX 03/16/12, 01/21/12
ND-EQUIFAX 03/16/12, 01/21/12
ND-EQUIFAX 03/16/12, 01/21/12
Equifax Consumer Services 03/21/12
Equifax Consumer Services 03/20/12
ND-Equifax Consumer Services 03/20/12
EQUIFAX INFO SVCS. 03/14/12, 02/27/12
FAIR ISAAC 02/28/12, 01/27/12
AR-GEORGIA'S OWN CU 01/20/12
ND-HSBC BANK 12/27/10
AR-HOUSEHOLD BANK 02/17/12, 12/27/11
ND-CHOICEPOINT ::2581961943 02/02/12
ND-CHOICEPOINT, INC ::2581961943 12/12/11
PRM-MDA CAPITAL, INC. 08/14/11
DTC-NAVY FEDERAL CREDIT UNION 03/12/12
NAVY FCU 03/09/12
ND-PAYPAL INC 04/12/11
SPRINT 12/14/11
PRM-SPRINT NEXTEL-CPS 06/30/11
PRM-THE TRAVELERS INDEMITY COMPANY 02/03/12, 12/13/11, 06/16/11
TRUECREDIT/COVERDELL MY 03/04/12
TRUECREDIT/VERTRUE 03/20/12
PRM-WORLD FINANCE 10/28/11


This was my result. HELP.


ANDERA 03/05/12: (1)
PRM-AT&T WIRELESS 10/26/11:
DTC-AT&T SERVICES, INC. 02/25/12:
AR-CAPITAL ONE 10/04/11:
PRM-CAPITAL ONE AUTO FINANCE 05/03/11:
PRM-CAPITAL ONE - RTPM 02/10/12:
CIC/EXPERIAN ALRTS 02/01/12: (1)
FIRST ADVANTAGE CREDCO/ 01/20/12, 11/16/11: (1)
CREDITEXPERT 1-866-673-0140 03/21/12, 03/20/12, 02/29/12: (1)
DELTA EMPLOYEES CREDIT UNION 02/16/12, 01/24/12: (1)
ND-DIGITAL FEDERAL CREDIT UNION 03/13/12:
PRM-DIRECTV-PRESCREENS 12/08/11, 09/02/11:
PRM-ELITE 04/25/11:
EQUIFAX INFO SVCS. 03/10/12, 02/01/12:
EQUIFAX 03/16/12, 01/21/12:
ND-EQUIFAX 03/16/12, 01/21/12:
ND-EQUIFAX 03/16/12, 01/21/12:
Equifax Consumer Services 03/21/12: (1)
Equifax Consumer Services 03/20/12: (1)
ND-Equifax Consumer Services 03/20/12:
EQUIFAX INFO SVCS. 03/14/12, 02/27/12:
FAIR ISAAC 02/28/12, 01/27/12: (1)
AR-GEORGIA\'S OWN CU 01/20/12:
ND-HSBC BANK 12/27/10:
AR-HOUSEHOLD BANK 02/17/12, 12/27/11:
ND-CHOICEPOINT ::2581961943 02/02/12:
ND-CHOICEPOINT, INC ::2581961943 12/12/11:
PRM-MDA CAPITAL, INC. 08/14/11:
DTC-NAVY FEDERAL CREDIT UNION 03/12/12:
NAVY FCU 03/09/12: (1)
ND-PAYPAL INC 04/12/11:
SPRINT 12/14/11: (1)
PRM-SPRINT NEXTEL-CPS 06/30/11:
PRM-THE TRAVELERS INDEMITY COMPANY 02/03/12, 12/13/11, 06/16/11:
TRUECREDIT/COVERDELL MY 03/04/12: (1)
TRUECREDIT/VERTRUE 03/20/12: (1)
PRM-WORLD FINANCE 10/28/11:

Total "good" softs found: 12


Why is USAA only counting as one?

Do I really only have 12 good softs?

Edited by Duck Bills, 21 March 2012 - 10:02 AM.

[fusioncredit]

This is what I put into the counter.

PRM-7TH AVENUE 12/16/11, 10/11/11, 06/28/11
ANDERA 03/05/12 (1)
PRM-AT&T WIRELESS 10/26/11
DTC-AT&T SERVICES, INC. 02/25/12
AR-CAPITAL ONE 10/04/11
PRM-CAPITAL ONE AUTO FINANCE 05/03/11
PRM-CAPITAL ONE - RTPM 02/10/12
CIC/EXPERIAN ALRTS 02/01/12 (1)
FIRST ADVANTAGE CREDCO/ 01/20/12, 11/16/11 (2)
CREDITEXPERT 1-866-673-0140 03/21/12, 03/20/12, 02/29/12 (3)
DELTA EMPLOYEES CREDIT UNION 02/16/12, 01/24/12 (2)
ND-DIGITAL FEDERAL CREDIT UNION 03/13/12
PRM-DIRECTV-PRESCREENS 12/08/11, 09/02/11
PRM-ELITE 04/25/11
EQUIFAX INFO SVCS. 03/10/12, 02/01/12
EQUIFAX 03/16/12, 01/21/12
ND-EQUIFAX 03/16/12, 01/21/12
ND-EQUIFAX 03/16/12, 01/21/12
Equifax Consumer Services 03/21/12 (1)
Equifax Consumer Services 03/20/12 (1)
ND-Equifax Consumer Services 03/20/12
EQUIFAX INFO SVCS. 03/14/12, 02/27/12
FAIR ISAAC 02/28/12, 01/27/12 (2)
AR-GEORGIA'S OWN CU 01/20/12
ND-HSBC BANK 12/27/10
AR-HOUSEHOLD BANK 02/17/12, 12/27/11
ND-CHOICEPOINT ::2581961943 02/02/12
ND-CHOICEPOINT, INC ::2581961943 12/12/11
PRM-MDA CAPITAL, INC. 08/14/11
DTC-NAVY FEDERAL CREDIT UNION 03/12/12
NAVY FCU 03/09/12 (1)
ND-PAYPAL INC 04/12/11
SPRINT 12/14/11 (1)
PRM-SPRINT NEXTEL-CPS 06/30/11
PRM-THE TRAVELERS INDEMITY COMPANY 02/03/12, 12/13/11, 06/16/11
TRUECREDIT/COVERDELL MY 03/04/12 (1)
TRUECREDIT/VERTRUE 03/20/12 (1)
PRM-WORLD FINANCE 10/28/11

I counted 17 possible good softs....how many hards do you have and would you mind posting them here or by pm?

[Duck Bills]

Below are my hards. 20 total. I have USAA. C* as well. Can I achive B* with these three before the next C*. Thanks for you help



ALLIANT CREDIT UNION 03/06/12

FEDERAL EMPLOYEES CREDIT U 03/06/12

CABELA'S 03/03/12

CAPITAL ONE 06/15/11

CAPITAL ONE BANK USA NA 01/08/12, 03/04/11

DELTA COMMUNITY CREDIT UNION 02/16/12

DELTA COMMUNITY CREDIT UNION 02/16/12

DIGITAL FEDERAL CREDIT UNION 03/07/12

DIRECTV 08/01/11

DISCOVER FINANCIAL SERVICES 01/21/12

GEORGIA'S OWN CU 12/16/11

HOUSEHOLD CREDIT SERVICES 12/27/10

HSBC BEST BUY 01/24/12

NAVY FEDERAL CREDIT UNION 03/20/12

NORDSTROM FSB 01/26/12

PENTAGON FCU 03/03/12

REGIONS BANK DBA AMSOUTH 04/12/11

SPRINT NEXTEL 12/14/11

USAA FSB CC 02/01/12

Edited by Duck Bills, 21 March 2012 - 11:45 AM.

[fusioncredit]

If you are using a Windows PC please first paste into notepad then copy/paste on here for proper format

[Duck Bills]

If you are using a Windows PC please first paste into notepad then copy/paste on here for proper format

Got it

[fusioncredit]

If you are using a Windows PC please first paste into notepad then copy/paste on here for proper format

Got it

Thanks So you are using USAA, MPM, EC right? Btw why do you have 2 HP the same day from Delta CU?

[Duck Bills]

If you are using a Windows PC please first paste into notepad then copy/paste on here for proper format

Got it

Thanks So you are using USAA, MPM, EC right? Btw why do you have 2 HP the same day from Delta CU?

Yes those three started yesterday, with EC. DCCU one pull to Join and one for Visa

[fusioncredit]

If you are using a Windows PC please first paste into notepad then copy/paste on here for proper format

Got it

Thanks So you are using USAA, MPM, EC right? Btw why do you have 2 HP the same day from Delta CU?

Yes those three started yesterday, with EC. DCCU one pull to Join and one for Visa

Oh did you get approved for the card?

[Duck Bills]

Yes, my first post BK non toy card. 2500 CL

[fusioncredit]

Yes, my first post BK non toy card. 2500 CL

Sweet! Congrats! Who else approved you?

[Duck Bills]

Yes, my first post BK non toy card. 2500 CL

Sweet! Congrats! Who else approved you?

All of the other CU hards were for joining not products, except NFCU which is pending.

[Jaymes]

I'm not completely understanding why there is no change. I started my daily triple pulls (EC, CCT, and MPM) which always achieved B* for me. I tried the counter two days ago and again today, and it shows "good" softs at 4, the same each day, even though there should be six more today than there were two days ago. Read a little more of this post to learn that I should be notepadding, which I did and again, good softs still show as 4.

By my manual count, I should have 30 "good" softs:

CREDITEXPERT 1-866-673-0140 03/22/12, 03/21/12, 03/20/12, 03/19/12, 02/29/12, 01/27/12, 12/31/11, 11/26/11, 10/28/11, 09/28/11, 08/31/11 (Should have 11)
EQUIFAX INFO SVCS. 09/14/11, 06/19/10
EQUIFAX INFO SVCS. 07/20/10, 06/02/10, 05/25/10, 03/30/10
EQUIFAX 02/14/12
ND-EQUIFAX 02/14/12, 10/11/10, 08/06/10
ND-EQUIFAX 02/14/12, 10/11/10, 08/06/10
ND-EQUIFAX 05/10/11, 03/26/10
EQUIFAX INFO SVCS. 10/03/11, 07/20/10, 07/20/10, 07/12/10, 07/03/10, 04/13/10
Equifax Consumer Services 03/22/12, 03/21/12, 03/20/12, 03/19/12, 11/03/11, 10/13/11, 09/20/11, 08/31/11 (Should have 8)
ND-Equifax Consumer Services 03/21/12, 11/03/11
ND-Equifax Consumer Services 11/09/10
ND-Equifax Consumer Services 11/09/10
FAIR ISAAC 02/18/12, 11/11/11, 09/09/11, 08/22/11 (Should have 4)
AR-HOUSEHOLD BANK 10/21/11
AR-MACYS/DSNB 02/24/12, 12/30/11
AR-MACYS/FDSB 08/16/11
AR-NAVY FCU 02/28/12, 11/01/11
AR-PENTAGON FEDERAL CREDIT UN 03/06/12, 09/20/11
TRUECREDIT/VERTRUE 03/22/12, 03/21/12, 03/20/12, 03/16/12, 01/25/12, 09/12/11, 08/31/11 (Should have 7)

[cputrwz]

Its because you don't have TABs between your puller name and the dates... I did it for you and put it in the counter:

CREDITEXPERT 1-866-673-0140: 03/22/12, 03/21/12, 03/20/12, 03/19/12, 02/29/12, 01/27/12, 12/31/11, 11/26/11, 10/28/11, 09/28/11, 08/31/11 (11)
EQUIFAX INFO SVCS.: 09/14/11, 06/19/10
EQUIFAX INFO SVCS.: 07/20/10, 06/02/10, 05/25/10, 03/30/10
EQUIFAX: 02/14/12 (1)
ND-EQUIFAX: 02/14/12, 10/11/10, 08/06/10
ND-EQUIFAX: 02/14/12, 10/11/10, 08/06/10
ND-EQUIFAX: 05/10/11, 03/26/10
EQUIFAX INFO SVCS.: 10/03/11, 07/20/10, 07/20/10, 07/12/10, 07/03/10, 04/13/10
Equifax Consumer Services: 03/22/12, 03/21/12, 03/20/12, 03/19/12, 11/03/11, 10/13/11, 09/20/11, 08/31/11 (8)
ND-Equifax Consumer Services: 03/21/12, 11/03/11
ND-Equifax Consumer Services: 11/09/10
ND-Equifax Consumer Services: 11/09/10
FAIR ISAAC: 02/18/12, 11/11/11, 09/09/11, 08/22/11 (4)
AR-HOUSEHOLD BANK: 10/21/11
AR-MACYS/DSNB: 02/24/12, 12/30/11
AR-MACYS/FDSB: 08/16/11
AR-NAVY FCU: 02/28/12, 11/01/11
AR-PENTAGON FEDERAL CREDIT UN: 03/06/12, 09/20/11
TRUECREDIT/VERTRUE: 03/22/12, 03/21/12, 03/20/12, 03/16/12, 01/25/12, 09/12/11, 08/31/11 (7)

Total "good" softs found: 31

[Jaymes]

Its because you don't have TABs between your puller name and the dates... I did it for you and put it in the counter:

Great. Thanks. I knew I had to have more than four, but I haven't had to *B in about six or seven months.

Thanks again. I'll remember the tab thing.